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Editorial Policy

Short-term credit is a subject where a wrong number costs a reader money. This page sets out how the pages here are built, checked and corrected, and how the site is paid.

Where the Numbers Come From

Every cost figure on this site is computed, not quoted. The formula is the one lenders must use under Regulation Z, 12 CFR 1026: the finance charge divided by the amount financed, times 365, divided by the days you hold the money. When a page says a $15 fee on $100 for 14 days is 391% APR, the arithmetic behind it is on the page.

Legal claims name their source. State caps, maximum terms and rollover rules come from the statute or the regulator that enforces it, and each state page links the section it relies on. Federal claims come from the CFPB, the FTC or the rule itself. Where a figure changes by state, we say so rather than picking one number and presenting it as national.

What We Never Publish

  • Approval rates, funding-time promises, user counts, star ratings or review counts. We do not have them, so we do not print them.
  • Lender rankings, "best lender" lists or any placement that could be bought.
  • Invented examples. Every worked example uses a real fee structure that exists somewhere in law.
  • Testimonials we cannot attribute to a real person who agreed to be quoted.

How Pages Are Written and Checked

Drafts are produced with the help of AI tools and are not published as written. Each draft is checked line by line against the primary sources cited on the page, the arithmetic is recomputed, and anything that cannot be sourced is cut rather than softened. The writers credited on the guides are responsible for the position each guide takes on its subject.

Location and cost pages are template-driven, with the facts held in per-state data files rather than written page by page. That keeps the same claim consistent everywhere it appears, and it means a correction to a state rule reaches every page that uses it at once.

Reviews and Updates

Pages that quote a law, a cap or a rate are reviewed at least once a year and immediately when the rule behind them changes. Dates shown on a page are real: we do not bump a date to look fresh, and the date in the page markup matches the date you can see.

Corrections

If a figure or a citation here is wrong, send the page address and the source you believe is correct through the contact form. Corrections are made on the page itself, promptly, and substantive ones are noted in the text rather than quietly edited away.

How This Site Makes Money

Flash Cash Advance is a loan request service, not a lender. It does not make credit decisions, set rates or fund loans. When a request submitted through the form is matched with a lender or lending partner in the network, the site may receive a referral fee. That fee is disclosed on every page, it is paid by the lender and never by you, and it has no bearing on what these pages say about cost, eligibility or your rights. Nothing on this site is financial, legal or tax advice.

Who to Contact

Questions about a loan you already have go to the lender named in your agreement. Questions about a licence, a fee or a collector go to your state regulator, named on every state page, or to the CFPB. Everything else reaches us through contact. The writers are listed on the team page.